Haku
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Bank of Finland Bulletin : Bank of Finland articles on the economy 1/2021
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
New mortgage-borrowers have an increasing amount of debt relative to income
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
New mortgage-borrowers’ total debt relative to income has increased in recent years. A higher proportion of new loans for house purchase are granted to highly indebted households relative to income. High debt-to-income ...
Imposing a loan-to-value limit on housing company loans would only affect a share of construction finance
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
Housing company loans are contributing to household indebtedness and are changing the composition of household debt. Housing company loans can also incentivise residential property investors to become highly leveraged. ...
Editorial : New instruments are needed to rein in household debt
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
Household behaviour and business activity continue to be very much influenced by the COVID-19 pandemic. The prospects for the economic environment returning to a state of normalcy are improving, however, as vaccine rollouts ...
Capping debt-to-income ratios complementary to housing loan cap
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Finnish household debt relative to income has grown significantly since the turn of the millennium. In future, excessive borrowing could be stemmed by, for example, restricting the amount of credit available to households ...
The highly indebted cut spending as the economy slows
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Financial and economic crises have often been preceded by excessive debt accumulation by households.
Bank of Finland Bulletin : Bank of Finland articles on the economy 1/2022
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
Accessible summary: household debt burden worryingly large – we must take a variety of measures to guard against the risks
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Finnish households are carrying a worryingly large amount of debt. Housing loans and housing company loans have become more common and larger, and their repayment periods have become longer. In addition, the supply of ...
Editorial: Rising household debt levels must be addressed in time
(09.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Finland's financial system is structurally vulnerable due to the country's high levels of household debt and proportionately large banking system. Indebted households respond to declining economic conditions and increased ...